Gadget Insurance Policy FAQ's

Frequently Asked Questions

What is gadget insurance?

Gadget insurance is a specific policy designed to protect against loss, damage or theft of your mobile phone or tablet devices. It isn't until something happens that we realise the value of protecting these valuable devices. With gadget insurance from Chill you can take out a policy from as little as €5.99 per month*.

Why do I need gadget insurance?

Replacing your favourite gadget can be pretty expensive. In the event that your mobile phone is lost or stolen and you are tied into a contract with a mobile operator, you will be liable for paying the monthly tariff until the end of your contract and your phone will only be replaced if you have that device insured.

Device Replacement Cost
Apple iPhone 4S 16GB €834.99  
Blackberry 9800 €469.99  
HTC Desire S €349.99  
Sony Ericsson ARC S €404.99  
Samsung Galaxy SII €484.99  
Nokia N8 €374.99  
Nokia 701 €439.99  
Apple Ipad II 32GB €694.99  

Source www.expansys.ie (Nov 11)

Does my home insurance policy adequately cover gadgets?

Unfortunately not, the contents cover under your home insurance policy does not provide adequate cover. The excess on any claim can be anywhere between €150 and €200, depending on the policy.

Making a claim may also have a knock on affect which can impact on your home insurance premium in the future. It also takes up to 3 weeks for a claim to be settled, that's a long time without your favourite gadget! With our gadget insurance policy a claims decision is made within 1 day!

Is there a policy excess?

The policy excess on our gadget insurance policy is only €35 for mobile phones and smart phones (excludes Apple iPhone). The excess on the Apple iPhone and tablet devices is €50.

What to do in the event of a claim?

If your gadget has been lost or stolen report it to your mobile network provider (to blacklist your device) and Gardai within 24 hours of discovery. You must also complete and return a Chill Insurance gadget claim form within 30 days of the incident along with:

  1. A copy of your proof of purchase for your device
  2. Your mobile network confirmation of blacklisting
  3. Your claim excess payment

For Damaged Gadgets

If you have damaged your gadget, complete and return a Chill Insurance gadget claim form within 30 days of the incident along with:

  1. Copy of your proof of purchase for your device
  2. Your damaged device by post
  3. Your claim excess payment

All documentation should be returned to:
Address: Chill Gadget Insurance, PO Box 11140, Dublin 2
Phone: 1890 26 25 55
Fax: 01 676 7718
Email: info@chillgadgetinsurance.ie

*Based on Essential level insurance for smartphones. Prices may vary for iPhones, and tablets.